Interest rates

Mortgage Loans
	Interest Rate
Residential Loans:
Home	7.49%
Investment	7.49%
Line of Credit:
Home	7.74%
Investment	7.74%

Personal Loans
	Interest Rate
Unsecured	11.65%
Line of Credit	11.90%

Car Loans
	Interest Rate
New Car (2 years) (20% deposit required)	9.95%
Used Car	11.65%

Interest Rates: Annual Percentage Rates. Subject to change without notice. Interest calculated on the outstanding balance at the close of business each day and charged monthly on the last day of the month, or at the statement date for Overdrafts.

Terms & Conditions available upon application.

Loan approvals subject to application and assessment. Credit Union Lending Policy applies

Term Deposits
Balance	3-4 Mths	5-6 Mths	12 Mths
$1,000 to $4,999	3.70%	4.10%	-
$5,000 +	3.90%	4.30%	-
$10,000 +	-	-	4.15%
Interest payable on maturity for less than 12 months. Interest paid monthly by cheque or credited to S1 account for 12 month term.

On Call Savings (S1, S2, S3)
Balance	Interest Rate
$0 to $5,000	0.01%
$5,001 to $20,000	0.01%
$20,001 to $50,000	0.01%
$50,000 +	0.01%
Interest rates are based on tiered balance, calculated daily, paid 6 monthly.

E Investor Account (S4)
Balance	Interest Rate
$1000 +	4.25%
Interest Calculated Daily. Interest credited 6 monthly.

Cash Management (S5)
Balance	Interest Rate
$5,000 to $29,999	3.00%
$30,000 to $49,999	3.10%
$50,000 to $99,999	3.40%
$100,000 to $249,999	3.80%
$250,000 +	3.95%
Minimum transaction $500. Interest Paid Monthly

Christmas Club (S6)
Balance	Interest Rate
Whole Balance	1.75%
Interest Calculated Daily. Interest credited 6 monthly. Open for withdrawals 1st November to 31st January

Notice of Withdrawal (S7)
Balance	Interest Rate
$500 to $4,999	1.50%
$5,000 $9,999	1.75%
$10,000 to $19,999	2.50%
$20,000 to $499,999	3.00%
$500,000 +	3.50%
Minimum balance $500. 7 days notice of planned withdrawal required

Hint Account (S8)
Balance	Interest Rate
$1 to $4,999	1.50%
$5,000 $9,999	1.50%
$10,000 to $19,999	1.75%
$20,000 +	2.25%
No minimum balance required. Withdrawals limited to one per calendar month. Interest rates are based on tiered balance, calculated daily, paid 6 monthly.

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